I have been a member of mypoints for just a couple of months and I haven't had any problems. I am also a member of HomeClickin and so far I have already had a cash out, in which I got a $10 Walmart giftcard, I get daily points for visting merchants under their days of the week, and they always have some extra great way to earn points, whether it be by their lucky friday contest or from the forum games. They are always there if you need them and have always rewarded me my points and answered any questions I may have had. After being a member for months with them I would highly suggest this rewards program to anyone who has ever had any problems being heard, and cashing out.